Insights

How IR Is Helping Lenders Prepare for the Trigger Lead Changes

Informative Research — Mon, 09 Mar 2026 19:24:21 GMT

With the trigger lead bill, the Homebuyers Privacy Protection Act (HPPA), set to reshape how credit inquiries can be used, lenders are preparing for new requirements that affect borrower interactions, workflow design, and compliance protocols. Informative Research is supporting clients through this transition with solutions that limit unnecessary hard pulls, improve borrower privacy, and protect margins.

Understanding the New Trigger Lead Bill and What It Means for Lenders

Informative Research — Thu, 05 Mar 2026 19:10:00 GMT

Trigger leads have been a point of frustration for borrowers and lenders for many years. With the recent passage of the new trigger lead bill , the Homebuyers Privacy Protection Act (HPPA), the industry is entering a new chapter focused on privacy, borrower protection, and more thoughtful use of credit data. Here is what lenders need to know about the change and how it will shape the mortgage experience going forward.

Get Early-Stage VOIE Clarity Before You Spend Time (and Money) Chasing It

Informative Research — Thu, 12 Feb 2026 00:15:00 GMT

Mortgage teams don’t just need data. They need certainty early so they can route loans correctly, avoid unnecessary verification steps, and keep files moving.
One common question arises quickly: Will there be income and employment data available on The Work Number® for this borrower?

Credit Score Modernization: What We Know About FHFA’s Direction on VantageScore 4.0 and FICO Score 10T

Informative Research — Mon, 02 Feb 2026 12:00:04 GMT

As the mortgage industry navigates FHFA’s credit score modernization initiative, lenders are facing new questions around model choice, implementation timing, and operational readiness. With multiple scoring models approved and a phased rollout underway, understanding how each model works—and where it fits in the broader framework—has become increasingly important. As a credit and data partner that supports both FICO and VantageScore, Informative Research helps lenders evaluate these changes objectively and prepare for what comes next.

Understanding FICO Score 10T

Informative Research — Mon, 26 Jan 2026 12:30:00 GMT

Understanding VantageScore 4.0

Informative Research — Tue, 20 Jan 2026 18:18:11 GMT

Comparing Tax Transcript Retrieval: IVES 4506-C v. Halcyon’s Tax Wallet

Informative Research — Wed, 29 Oct 2025 07:00:00 GMT

Income verification continues to be one of the most critical—and complex—steps in the mortgage underwriting process. Whether you're working with self-employed borrowers, multiple co-applicants, or multi-year income histories, the task of gathering accurate tax data from the IRS can be time-consuming, expensive, and prone to delays.

Maximize Your Existing VOA for Seamless 10-Day VOE with AccountChek®

Informative Research — Tue, 14 Oct 2025 11:00:00 GMT

Reducing borrower friction while maintaining compliance is a constant challenge. Lenders are under pressure to move faster, keep costs down, and improve the borrower experience, all while meeting rigorous investor requirements. That’s why there’s growing momentum behind a simple but often overlooked strategy: reusing the original AccountChek® bank data connection established at the time of Verification of Assets (VOA) to satisfy the 10-day pre-close Verification of Employment (VOE). Thanks to policy updates from both Fannie Mae and Freddie Mac, this is not just possible; it’s a smart option.

How to Unlock the Full Potential of AccountChek VOA

craigl@informativeresearch.com (Craig Leabig) — Mon, 23 Dec 2024 22:29:36 GMT

Turning Bank Data Into Loan Approvals

AccountChek Verification of Assets doesn’t just check bank balances–it can also help lenders verify rental history, as well as income and employment in certain cases, saving time and money while potentially increasing qualified loans.

By integrating with Fannie Mae’s Desktop Underwriter® (DU®) validation service and Freddie Mac’s Loan Product Advisor® (LPASM) asset and income modeler (AIM), banking data sourced from an AccountChek VOA also supports:

Big News: IR Supports Freddie Mac’s Expansion of R&W Relief Eligibility with Loan Product Advisor® AIM!

Informative Research — Mon, 02 Dec 2024 20:09:39 GMT

Freddie Mac’s recent expansion of Loan Product Advisor® (LPA ^SM) asset and income modeler (AIM) provides lenders with a smoother closing process and more opportunity to assess for representation and warranty (R&W) relief eligibility related to the borrower’s current employment.

Here’s what you’ll learn in this post:

What the new update to AIM means for lenders
How it enhances employment verification
What lenders need to do (hint: not much)